There are more and more good cars on the road, how much car insurance is enough?

LZ can increase the sum insured.

The insurance amount of automobile third-party liability insurance is generally 50,000 yuan, 100,000 yuan, 300,000 yuan, 500,000 yuan, and 1 million yuan, and the premium is roughly from 800 yuan to 2,000 yuan. Most people choose an insurance sum of 200,000-300,000. If necessary, it is best to buy a top insurance amount of 1 million.

This is a relatively large degree of protection. However, this will definitely be more expensive, and you can consider the online car insurance launched by Ping An. This is currently a less expensive way to get insured.

LS is right, this is the only way to do it at the moment. After consideration, we will come up with the most "rational" solution: if the compensation amount is distributed according to the proportion of accident liability, then on the road, we should avoid luxury cars.

For the current situation that luxury cars are everywhere, insurance is definitely not enough, and the three liability insurance is more insured, at least 80-1 million. And yes. Be sure to pay attention to !!

If you can hide from a luxury car, you can hide. If you have guaranteed 1 million in time, you can't take it lightly. Because I can't afford to pay for hitting a luxury car!

Increase the sum insured... The most important thing is to drive carefully.

Summary. Hello, the speed of claims settlement of car insurance service of everyone's insurance is still okay.

I know this, in 2020, my brother applied for car insurance through a friend of mine in everyone's insurance, and later because of the snow and slippery road, my brother unfortunately hit a telephone pole when he drove back, and the front of the car was damaged. My brother said that the claims adjuster of our insurance was on the scene within 40 minutes.

Therefore, the speed of car insurance claims is still okay!

Is everyone's car insurance out of danger fast?

Hello, the speed of claims settlement of car insurance service of everyone's insurance is still okay. I know this, in 2020, my brother had a friend of mine who was in trouble and applied for car insurance in everyone's insurance, and then because of the snowy road slippery ridge tour, my brother unfortunately hit a telephone pole when he drove back, and the front of the car was damaged. My brother said that the claims adjuster of our insurance was on the scene within 40 minutes.

Therefore, the speed of car insurance claims can still be done!

How long does it take to settle a claim after an accident?

Hello, it takes 3-15 days to settle the claim after the accident.

It's pretty much the same.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the purchase of the third party insurance should refer to the compensation standard of the place where the bucket is located. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not count the free empty repentance compensation, which corresponds to additional insurance types such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The following four car insurance combinations are the most common, and car owners may wish to concoct the same:

All-round. Compulsory traffic insurance + commercial three liability insurance (300,000) + car damage insurance + on-board personnel liability insurance + theft insurance + glass breakage insurance + deductible special contract + body scratch loss insurance.

Suitable for new car owners and car owners who need comprehensive protection.

Regular. Compulsory traffic insurance + commercial three liability insurance (200,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + deductible special contract.

It is suitable for vehicles parked in parking lots guarded by fixed personnel for a long time, and it is also suitable for car owners who have a certain driving experience and are willing to bear some of the risks themselves.

Economical. Compulsory traffic insurance + commercial three liability insurance (100,000 yuan) + car damage insurance + deductible special contract.

It is suitable for owners who have been using their vehicles for a long time and who are skilled in driving and are willing to take most of the risks themselves.

Risky. Only purchase compulsory traffic insurance. Compulsory traffic insurance only pays the third party (injured party) in the accident, and the maximum compensation for personnel is 110,000 yuan, hospitalization is 10,000 yuan, property damage is 2,000 yuan, and their own car damage or theft needs to be borne by themselves.

Therefore, this combination is extremely risky. This option is generally not recommended.

What does car insurance generally cover? First of all, auto insurance can be divided into compulsory traffic insurance and commercial auto insurance. Secondly, commercial insurance is divided into main insurance and additional insurance.

When choosing the type of car insurance, in addition to the compulsory traffic insurance that must be purchased in accordance with the relevant provisions of the state, it is recommended that there are two main insurances that must be purchased by Fucha, one is car damage insurance, and the other is third-party liability insurance. These two types of insurance are the most basic guarantee that both the person and the car can be compensated after the accident occurs.

For car insurance, followed by commercial car insurance, its purchase is relatively flexible, and car owners can choose a good big insurance company to purchase according to their own needs. Among them, commercial insurance is divided into main insurance and additional insurance. The main insurances mainly include "commercial third party liability insurance", "vehicle loss insurance", "vehicle theft insurance" and "vehicle personnel liability insurance".

Common additional insurances include "glass breakage insurance", "body scratch loss insurance", "spontaneous combustion loss insurance", "vehicle cargo liability insurance", "traffic accident moral damage compensation insurance", "wading engine damage insurance", "excluding deductible insurance" and so on.

"Three insurance" is recommended to be purchased by riders, and under normal circumstances, riders will choose the insurance types of "car damage insurance" and "theft insurance". Other types of insurance can be purchased on a case-by-case basis.

For the above car insurance generally covered questions, I hope to solve the troubles of car lovers, and understand the above types of insurance, from which to choose the right car insurance for yourself.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! In order to further improve the protection of your car, it is wise to get a suitable vehicle insurance for your vehicle as soon as possible.

Vehicle insurance is not increasingWith the increasing popularity of private cars and the continuous improvement of people's insurance needs, the types of vehicle insurance are also increasing, at present, the types of vehicle insurance roughly include compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage loss insurance and third-party liability insurance, vehicle theft insurance (theft insurance), vehicle personnel liability insurance (driver liability insurance and passenger liability insurance), additional insurance including glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, vehicle cargo falling liability insurance, vehicle suspension loss insurance, new and old forest loss equipment loss insurance, excluding deductible special insurance, etc. Different vehicle insurance plans have different coverages, so you can read the terms and conditions of coverage carefully before applying.

With car insurance, it's best to prioritize compulsory liability and primary vehicle insurance before focusing on riders. It has integrated a number of well-known vehicle insurance products, and you are welcome to come to comprehensively compare and choose.

How to buy car insurance to be more cost-effective? It is generally recommended that new car owners buy car full insurance. Car owners who don't know about car insurance will have doubts at this time, does full insurance mean full insurance, no matter what happens to the car, it can be compensated? No.

Year 1: Full coverage is not the same as full coverage.

All insurance is not the same as full insurance", many car owners may not know this truth. In a general sense, the full insurance includes various types of insurance, but most of the 4S stores give the full insurance including 8 types of insurance, namely traffic compulsory insurance, vehicle loss insurance, deductible insurance, third-party liability insurance, vehicle personnel liability insurance, full vehicle theft insurance, scratch insurance, and glass breakage insurance. In fact, except for compulsory traffic insurance, which is mandatory to purchase, the other 7 types are commercial insurance that can be purchased as an option.

We generally recommend that car owners buy full insurance in the first year, and the amount of insurance claims for car damage insurance and third-party liability insurance can be set higher. Ms. Mi said.

Whether to buy "spontaneous combustion insurance" depends on the manufacturer.

It is important to note that the so-called "all-risk" does not include spontaneous combustion loss insurance. According to the past thinking, new cars generally do not need to buy this insurance, because during the warranty period, once spontaneous combustion will be borne by the manufacturer. The premise is that the manufacturer can have the courage to take responsibility.

In recent years, the phenomenon of "spontaneous combustion" of some new cars less than a year has occurred frequently, and car manufacturers have evaded responsibility.

Spontaneous combustion loss insurance refers to the loss caused by the fire of the insured vehicle due to the failure of its own circuit oil circuit, and the insurance company is responsible for compensating part of the loss. Some more cautious new car owners may also consider choosing an insurance company that can provide "spontaneous combustion insurance" for new vehicles. "For general economic sedans, the cost of spontaneous combustion insurance is between 200 yuan and 300 yuan.

If the owner proposes to buy spontaneous combustion insurance, the 4S store can also add it. ”

will buy, but generally just buy compulsory insurance